The Crypto Desk desk. Editor: Sam Daodu.
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XRP (CRYPTO: XRP) has dropped 24.8% over the past month and is trading at $1.06 as of November 11, 2026. This value is 71% lower than its all-time high of $3.65 recorded on July 17, 2025. With XRP priced at $2.39 on the same date last year, anyone who bought in the last twelve months is likely facing losses.
ChatGPT, Claude, and Grok each offer a different view on whether to sell or hold XRP amid this significant decline, and all three keep the $1 price point in focus. Their assessments are based on morning prices, and this is not financial advice.
So, after XRP has taken a tougher hit than any other major cryptocurrency, should investors sell or hold XRP?
Two Models Recommend Holding, While Grok Suggests Selling as ETF Money Leaves
ChatGPT leans toward holding, citing the technical damage from recent declines and weakening institutional confidence. Currently, XRP is trading below its 50-day moving average of $1.36. ChatGPT would switch to a sell-or-reduce call if XRP closes below $0.85 but would reassess if the price quickly climbs back above $0.90. Ideally, ChatGPT feels more comfortable buying if XRP stays above $1 and can reclaim $1.15.
Claude acknowledges the ETF sell-off but believes it’s only a small-scale issue. Recent data revealed that U.S. spot XRP ETFs, which hold XRP and function like stocks, saw $18 million in outflows on November 9 and 10. Claude interprets this as only about 1.5% of their total assets of $1.19 billion. Rather than blaming XRP directly, Claude cites broader crypto market issues as the main driver of the price drop.
Claude would switch to a reduced call if XRP closes below $0.98, which is roughly 7.5% lower than the current price. The next support level for holders could be around $0.80, and Claude would become more bullish if XRP closes above the 20-day moving average of $1.24, a 17% increase from the current price.
Grok recommends selling. It highlights a significant move by David Schwartz, a former chief technology officer at Ripple, who has reduced his holdings from approximately 26 million XRP to just 3 million. Additionally, Grok points to the $7.6 million ETF outflow on November 10 and notes that Evernorth Holdings (NASDAQ: XRPN), a treasury company holding XRP, registered up to 73.7 million shares for resale, giving current holders the opportunity to sell.
XRP Price Predictions From Each Model for 2026 and 2027
Each model presents three scenarios, bear (worst case), base (most expected), and bull (optimistic), for the end of 2026 and 2027.
ChatGPT’s bullish 2027 figure of $3.50 suggests potential upside of about 230%, though it remains roughly 4% below the all-time high. Meanwhile, Claude projects a top price of $2.75, about 25% below the peak. Claude’s bearish estimate of $0.55 assumes the overall crypto market valuation will fall below $2 trillion, with ETF assets decreasing to below $800 million. Historical trends suggest that XRP’s recoveries can take a significant amount of time.
What Would Flip Each Model, and When Could Underwater Buyers Break Even?
All three models anticipate that XRP is more likely than not to trade under $1 before the end of 2026. ChatGPT estimates this scenario has a 70% chance, while Claude puts it at 60% and Grok gives it a 65% to 70% probability.
ChatGPT would adjust its stance if there are at least $100 million in ETF net inflows over a month, if XRP closes above $1.36, and if a functional quantum-resistance testnet is in place by the end of 2027. It also observes that 21Shares’ ETF holdings have dropped from 135.6 million XRP to 107.3 million, a drop worth around $30 million at current prices.
Claude would turn positive with four consecutive weeks of inflows totaling more than $50 million, but it would turn bearish if ETF assets fall below $1 billion or if 21Shares’ holdings dip below 100 million XRP. Claude is also wary of Bitcoin (CRYPTO: BTC) closing below $70,000, because XRP has fallen about twice as fast.
Grok is looking for net ETF inflows of at least $50 million to $75 million over a two-week period, alongside five daily closes above the 50-day average. Additionally, it wants to see key figures, like Schwartz, stop significantly reducing their holdings. Grok would consider buying if XRP falls to around $0.90 to $0.95 during extreme oversold conditions, approximately 74% to 75% below the all-time high.
Investors who bought XRP at $2 would need approximately an 89% gain just to break even. ChatGPT predicts this could happen around November 2027, with the second quarter of 2027 as its optimistic case. Claude estimates a potential recovery in the fourth quarter of 2028, giving it roughly a 35% chance. Grok sees the second half of 2027 as the earliest possible timeframe for this to occur, but only in a favorable market scenario.
Should You Sell or Hold XRP After the Drop? Two of Three Models Say Hold
Two out of the three AI models suggest holding XRP at this time, while Grok advises selling.
Contact [email protected] for any questions or corrections.
Sam Daodu is a crypto analyst and the editor of 24/7 Wall St.'s Crypto Desk, where he covers Bitcoin, XRP, Ethereum, Solana and the altcoins investors search for most. His work focuses on price levels, spot ETF flows, on-chain data and the regulatory decisions that move crypto markets, written so a first-time buyer and a seasoned trader can both use it.
Sam has written about crypto professionally since 2019 and has published more than 2,000 articles. Before joining 24/7 Wall St., he wrote for crypto media outlets and Web3 companies and ghostwrote for crypto founders and token launches. His analysis is syndicated on Yahoo Finance, MSN and AOL and has been cited by other crypto news sites. He also founded MacLabs Marketing, a content and personal branding agency for crypto founders and executives.
When he isn't reading charts, Sam is usually at the gym or watching One Piece, a series he maintains has better tokenomics than most altcoins.
